The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC INC COM 001055102   941,718 9,104 SH   SOLE   0 0 9,104
ALPHABET INC COM 02079K107   592,078 3,109 SH   SOLE   0 0 3,109
ALPHABET INC COM 02079K305   591,353 3,124 SH   SOLE   0 0 3,124
AMAZON.COM INC COM 023135106   1,334,549 6,083 SH   SOLE   0 0 6,083
APPLE INC COM 037833100   2,850,690 11,384 SH   SOLE   0 0 11,384
BERKSHIRE HATHAWAY COM 084670702   379,395 837 SH   SOLE   0 0 837
BROADCOM INC COM 11135F101   469,476 2,025 SH   SOLE   0 0 2,025
COSTCO WHSL CORP NEW COM 22160K105   229,068 250 SH   SOLE   0 0 250
ELI LILLY AND CO COM 532457108   299,536 388 SH   SOLE   0 0 388
GLOBAL PMTS INC COM 37940X102   3,305,609 29,499 SH   SOLE   0 0 29,499
HDFC BK LTD ADR 40415F101   219,934 3,444 SH   SOLE   0 0 3,444
ICICI BK LTD ADR 45104G104   281,610 9,431 SH   SOLE   0 0 9,431
ISHARES CORE S&P 500 UIE 464287200   565,721 961 SH   SOLE   0 0 961
ISHARES SHORT TERM NTNL UIE 464288158   8,785,851 83,294 SH   SOLE   0 0 83,294
JOHNSON & JOHNSON COM 478160104   367,559 2,542 SH   SOLE   0 0 2,542
JPMORGAN CHASE & CO COM 46625H100   428,841 1,789 SH   SOLE   0 0 1,789
MASTERCARD INC COM 57636Q104   250,121 475 SH   SOLE   0 0 475
META PLATFORMS INC COM 30303M102   754,342 1,288 SH   SOLE   0 0 1,288
MICROSOFT CORP COM 594918104   1,634,779 3,878 SH   SOLE   0 0 3,878
MIZUHO FINL GROUP INC ADR 60687Y109   50,880 10,405 SH   SOLE   0 0 10,405
NETFLIX INC COM 64110L106   360,093 404 SH   SOLE   0 0 404
NVIDIA CORP COM 67066G104   1,614,972 12,026 SH   SOLE   0 0 12,026
SCHWAB EMERGING MARKETS UIE 808524706   1,453,918 54,597 SH   SOLE   0 0 54,597
SCHWAB INTERNATIONAL UIE 808524805   1,623,209 87,741 SH   SOLE   0 0 87,741
SMURFIT WESTROCK PLC FGO G8267P108   487,972 9,060 SH   SOLE   0 0 9,060
SPDR S&P 500 ETF IV UIE 78462F103   1,367,911 2,334 SH   SOLE   0 0 2,334
TAIWAN SEMICONDUCTOR M ADR 874039100   474,371 2,402 SH   SOLE   0 0 2,402
TENCENT HLDGS LTD ADR 88032Q109   210,912 3,966 SH   SOLE   0 0 3,966
TESLA INC COM 88160R101   660,278 1,635 SH   SOLE   0 0 1,635
VANGUARD EXTENDED MARKET UIE 922908652   15,387,977 80,998 SH   SOLE   0 0 80,998
VANGUARD FTSE DEVELOPED UIE 921943858   22,479,628 470,088 SH   SOLE   0 0 470,088
VANGUARD FTSE EMERGING UIE 922042858   14,482,805 328,856 SH   SOLE   0 0 328,856
VANGUARD INFORMATION UIE 92204A702   9,259,361 14,891 SH   SOLE   0 0 14,891
VANGUARD INTERMEDIATE UIE 92206C870   4,640,206 57,807 SH   SOLE   0 0 57,807
VANGUARD INTRMDIAT TRM UIE 92206C706   2,138,309 36,867 SH   SOLE   0 0 36,867
VANGUARD MATERIALS ETF UIE 92204A801   221,276 1,178 SH   SOLE   0 0 1,178
VANGUARD MUNI BND TAX UIE 922907746   26,126,503 521,175 SH   SOLE   0 0 521,175
VANGUARD S&P 500 ETF UIE 922908363   67,743,553 125,728 SH   SOLE   0 0 125,728
VANGUARD SHORT-TERM BOND UIE 921937827   3,703,137 47,925 SH   SOLE   0 0 47,925
VANGUARD SHRT INF PROT UIE 922020805   1,029,797 21,268 SH   SOLE   0 0 21,268
VANGUARD SMALL CAP UIE 922908595   460,419 1,644 SH   SOLE   0 0 1,644
VANGUARD TOTAL UIE 92203J407   8,743,797 178,263 SH   SOLE   0 0 178,263
VANGUARD TOTAL UIE 921909768   728,316 12,359 SH   SOLE   0 0 12,359
VANGUARD TOTAL BOND UIE 921937835   20,338,139 282,828 SH   SOLE   0 0 282,828
VANGUARD TOTAL STOCK UIE 922908769   1,573,668 5,430 SH   SOLE   0 0 5,430
VISA INC COM 92826C839   392,206 1,241 SH   SOLE   0 0 1,241
WIPRO LTD ADR 97651M109   169,711 47,941 SH   SOLE   0 0 47,941
WISDOMTREE FLOATING RATE UIE 97717Y527   4,233,979 84,141 SH   SOLE   0 0 84,141